Well, I decided to give John Hayes’ Virgo daily money management a try. First off, I started by checking my daily income and expenses. I took out my old notebook and a pen, and began jotting down every single cent I spent and earned each day.
I made sure to record even the smallest things, like buying a pack of gum or getting a coffee on the way to work. This was a bit of a pain in the butt at first, ’cause I always forget to write stuff down right away. But I forced myself to do it every night before going to bed, looking through my wallet and phone payment records.
Then, I followed John Hayes’ advice to set a budget for different categories. I made sections for food, transportation, entertainment, and so on. It was like building little money boxes for each part of my life. For example, I decided to limit my eating – out expenses to $50 a week. This was tough, ’cause I love going to nice restaurants, but I stuck to it.
One of the mistakes I almost made was impulse buying. I saw a really cool new gadget in the store window, and I was about to whip out my card and buy it. But then I remembered that I had to follow this money – management plan. So I walked away. It was hard, but I knew I shouldn’t waste money on things I didn’t really need.
Another thing was not paying attention to my bills on time. I almost missed a credit card payment. But I set up reminders on my phone for all my bill – due dates. That way, I wouldn’t have to pay those annoying late fees.
As I kept going with this daily money management, I noticed that my savings were slowly growing. I was able to put aside a little more money each month. It was like watching a tiny plant grow into a small tree.
In the end, by avoiding these common money – management mistakes and following John Hayes’ Virgo daily money – management tips, I’ve got better control over my finances. I’m not saying it’s easy, but it’s definitely worth it. Now I can enjoy my money more without worrying about running out of it all the time.
